Hero Maestro Bike Insurance
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Hero MotoCorp is primarily a motorcycle manufacturer; however, the increasing popularity of scooters prompted the company to introduce them in the Indian market. To ride a scooter in India it is mandatory to insure the vehicle with a two-wheeler insurance plan. Read ahead to know more about Hero Maestro bike insurance and the benefits of buying insurance online.
Benefits of Buying ACKO Bike Insurance for Your Hero Maestro
Below are the advantages of buying ACKO bike insurance for your Hero Maestro scooter:
Online Shopping
You can buy bike insurance for your Hero Maestro instantly through ACKO’s website or mobile app. Whether you want to buy or renew a policy or raise a claim, the entire process is paperless. Enter a few details about your scooter and insure it within a few minutes.
Hassle-Free Claim Settlement
At ACKO, you can file a claim without filling lengthy paperwork because the entire process is online. For minor damages, you will receive instant claim settlement and for major damages, ACKO will repair the car and deliver it back to you within three working days.
Low-Premium Two-wheeler Insurance
With a 100% digital environment, agents and middlemen are no longer required to help you buy or renew the policy or even raise a claim against the policy. This has resulted in lower operating costs. The savings are then passed on as low-premium bike insurance plans.
Get Advice From Insurance Experts
You can get all the required information about two-wheeler insurance for your Hero Maestro through our website. For more details, you can talk to our insurance experts, and they will guide you about bike insurance for your scooter.
Discounts and Offers
Avail discounts and/or offers on special occasions and festivals to get the best price for the insurance plan.
Bike Insurance Plans for Hero Maestro Scooter
Bike insurance is primarily of two types: Comprehensive and Third-party Two-wheeler Insurance. Below are the coverage details of the plans:
Comprehensive Two-wheeler Insurance Policy
The Comprehensive bike insurance is a combination of Third-party Bike Insurance and Own Damage (OD) cover. It provides financial protection against damages or losses to Hero Maestro your vehicle. Losses or damages can be due to accidents, natural/man-made calamities, theft of the vehicle. You can also include various add-on covers to enhance the basic plan.
Third-party Two-wheeler Insurance Policy
Third-party bike insurance provides financial protection in case of third-party losses, such as an injury or damages to their property. However, this plan does not cover damages or losses to the insured scooter. The below tables provides an overview of the coverage details of the two types of bike insurance for your Hero Maestro:
| Coverage | Comprehensive Bike Insurance | Third-Party Bike Insurance |
|---|---|---|
| Losses to third-party arising due to injury or damages to their property | Yes | Yes |
| Accidental damages to your Hero Maestro | Yes | No |
| Damages/losses due to man-made calamities (riots, etc.) | Yes | No |
| Damages/losses due to natural calamities (floods, cyclones, etc.) | Yes | No |
| Theft of the insured scooter | Yes | No |
| Personal Accident (PA) cover | No (But mandatory with either one of the plan) | No (But mandatory with either one of the plan) |
| Add-on covers (Optional) | Yes | No |
| Choose/modify sum insured amount (Insured Declared Value) | Yes | No |
What’s Covered in Hero Maestro Insurance (Inclusions)?
Comprehensive Two-wheeler Insurance Plan for your Hero Maestro provides the below-mentioned coverages:
Damages or losses to the Hero Maestro scooter.
Damages or losses due to third-party life or property.
Damages or losses due to man-made calamities (riots, vandalism).
Damages or losses due to natural calamities (floods, storms).
Damages or losses due to a fire outbreak or an explosion.
Total loss or theft of the Hero Maestro scooter.
Consider buying the multi-year policy (available in 2 and 3 years) for the best coverage at an affordable price. Additionally, you should also include the mandatory Personal Accident (PA) cover whether you are buying the Comprehensive Two-wheeler Insurance Plan or the Third-party Two-wheeler Insurance Plan.
What’s Not Covered in Hero Maestro Insurance (Exclusions)?
Bike insurance for your Hero Maestro does not cover under the following circumstances:
Damages or losses arising out of regular wear and tear.
Damages or losses to the scooter when riding without a valid Driving License (DL).
Damages or losses arising out of electrical or mechanical failure.
Damages or losses arising from riding the scooter in an intoxicated state.
Damages or losses arising due to reckless driving of the insured scooter.
Damages or losses arising outside the designated geographical limits.
Add-ons for Hero Maestro Two-wheeler Insurance
Add-ons are small coverage plans which offer exclusive benefits. Mentioned below are the add-ons that you can choose from:
Personal Belongings Protection
Get coverage for your personal belongings left in the insured scooter during the accident. For example, if your helmet is damaged or lost during the accident, then the add-on will cover the cost to repair or replace the helmet.
Engine Protection
Damages to the engine are not covered under the basic comprehensive plan. The add-on will cover the cost to repair or replace engine parts damaged due to water ingression due to flooding or in the case of oil leakage.
Zero Depreciation
Through this add-on, the depreciation of the motor parts being replaced will not be considered thereby getting the maximum claim amount.
Roadside Assistance
Get assistance such as emergency towing, fuel fill, minor repairs and much more through this add-on cover.
Consumables Cover
Engine and gearbox oil, nuts and bolts, screws and other such consumables items are covered under this add-on cover.
Claim Procedure
Registering a claim against your insurance policy through ACKO.com is simple and hassle-free. Follow the below steps to file a claim at ACKO:
Step 1: Visit our website (www.acko.com) or download the ACKO app.
Step 2: Log in to your account through your registered mobile number.
Step 3: Select the option ‘Claims’.
Step 4: Answer a few questions about the damages to the insured vehicle.
Step 5: Upload the photographs of the damaged vehicle.
Step 6: For minor damages, you will receive an instant claim settlement and for major damages, our claims team will get in touch with you to further process the claim.
Frequently Asked Questions
Here are the frequently asked questions about Hero Maestro bike insurance:
Commonly Asked Questions About Hero Maestro Bike Insurance
1. How to buy bike insurance online for my Hero Maestro?
Online insurance through ACKO is simple and hassle-free. Just visit our website www.acko.com or download the ACKO app to enter a few details about your Hero Maestro to insure the vehicle instantly. There is no paperwork involved, making the purchase journey simple and easy.
2. What is the process to renew my Hero Maestro bike insurance online?
Existing ACKO customer can log in to their account via our website or mobile app to access your account. Choose the policy to renew without any paperwork. If you are new to ACKO, simply enter a few details of your scooter and renew the plan with ACKO for a hassle-free experience.
3. Do I need to submit any documents to buy or renew bike insurance for my Hero Maestro?
No. You don’t have to submit documents to buy or renew the insurance plan with ACKO. Visit our website or download the mobile app to enter a few details of the vehicle to process your request. There is no paperwork required to insure your Hero Maestro with ACKO.
4. Is bike insurance compulsory for my Hero Maestro?
Yes. You need to insure your scooter at least with the Third-party Bike Insurance to comply with The Motor Vehicles Act, 1988. However, this plan provides only third-party coverage and does cover damage to your vehicle. Consider buying the Comprehensive Bike Insurance that includes both the Third-party Insurance and the Own Damage cover.
5. Is Personal Accident (PA) cover mandatory and how do I buy the cover?
As per law, the PA cover is mandatory regardless of which insurance plan you buy for your vehicle. The Personal Accident cover does not come along with the bike insurance plan. You need to buy the PA cover while buying or renewing the two-wheeler insurance policy.
6. What does add-on cover mean in bike insurance?
An add-on is a small coverage that is sold along with the Comprehensive Bike Insurance. The add-on covers enhance the basic plan to cover more liabilities. You can include the add-ons while buying or renewing the policy. You can choose from several useful add-ons to your Hero Maestro bike insurance. For more details, you can read more about it in the above-mentioned section.
7. Is Comprehensive Bike Insurance mandatory for my Hero Maestro?
Only Third-party Bike Insurance is mandatory as per The Motor Vehicles Act, 1988; however, it does not cover damage to the insured scooter. While the Comprehensive Bike Insurance is not mandatory, it offers the benefit of both Third-party Bike Insurance and Own Damage cover. Additionally, you have the option to include add-ons along with the Comprehensive Insurance Plan.
8. What is the benefit of not filing any claims against my bike insurance policy?
The benefit of not filing any claims during the policy period is that you can get a discount on the renewal premium. This discount is known as the No Claim Bonus (NCB) for bike. If you do not file any claims for five consecutive years, you get up to 50% as a discount on the renewal premium.
9. What is the process to renew my expired Hero Maestro bike insurance?
If you do not renew the policy within the expiry date then you no longer get the coverage benefits of the policy. If you do not renew the policy within 90 days of the expiry, then you will lose out on benefits such as the NCB. However, you can still renew the policy even if it is expired. Visit www.acko.com and log in to your account to renew the plan. Our insurance experts will guide you through the next steps to renew the policy.
10. Does my bike insurance policy cover damage to my scooter due to flooding?
Yes, you can raise a claim against your policy if you have the Comprehensive Bike Insurance Policy. The plan covers damage to the insured scooter caused due to natural calamities.
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